The Best Mortgage Lenders in Jefferson, SD

Sioux Falls Federal Credit Union stands out as one of South Dakota's most trusted mortgage lenders with over 85 years of service. They serve the entire southeastern South Dakota region including Jefferson, offering highly competitive rates and personalized service. Their mortgage team receives exceptional reviews for guiding borrowers through the entire process, especially first-time homebuyers. As a member-owned financial cooperative, they prioritize customer satisfaction over profits, resulting in some of the lowest closing costs in the region and flexible underwriting for rural properties.

First Dakota National Bank brings over 150 years of banking experience to Jefferson area homebuyers, making them one of South Dakota's oldest and most established mortgage lenders. Their mortgage specialists excel at serving rural communities and agricultural areas, offering specialized land and construction loans that many national lenders avoid. Customers consistently praise their local decision-making authority, quick turnaround times, and deep understanding of South Dakota's unique real estate market. Their long-standing community presence ensures they understand the specific needs of Jefferson residents.

Wells Fargo provides comprehensive mortgage services to Jefferson through their Sioux Falls branch, offering the resources of a national lender with local expertise. They receive strong ratings for their competitive interest rates, extensive loan product selection, and efficient digital mortgage process. Their USDA and VA loan specialists are particularly experienced with South Dakota's rural housing programs. While being a large national bank, their local mortgage consultants maintain strong relationships with Jefferson area real estate agents and provide personalized service that smaller communities appreciate.